MEMBERSHIP            Opening a new share account requires the payment of a $2.00 entrance fee and a minimum share purchase of $25.00.  Complete the Member Application and Ownership Information portion and sign at the bottom.  At the option of the applicant, the reverse side of the card provides for the naming of a joint owner.  Joint owners should sign the front side of the card in the authorization section.  If you do not name a joint owner, then you should complete the "Payable on Death" under account designations and name a beneficiary.

WITHDRAWAL OF FUNDS     Withdrawal of funds from your share account may be made by applying in person at the Credit Union office, by submitting a written request by mail, or by phone.  No special forms are required.  Simply state the amount you wish to withdraw, identify your account number and social security number.

BORROWING     Any member of the Credit Union may apply for a loan.  Borrowers are required to maintain a minimum share balance of $100.00.  Loans are subject to the approval of the Credit Committee.

APPLICATION FOR LOAN     A completed loan application must be submitted for each loan.  The application may be mailed or faxed to the Credit Union or brought in person.  Applications should be accompanied with a copy of the most current paycheck stub or income tax return as a form of income verification.  A purchase agreement should be submitted when borrowing to purchase a vehicle from a dealer or bill of sale from private party.  The Credit Committee meets each week to review loan applications.

INTEREST ON LOANS     Simple interest on the declining balance is charged on Credit Union loans and there are no prepayment penalties.  We invite your comparison of the Credit Union interest rates with those offered by other lenders.  For current rates please contact the Credit Union office at the number listed.

VISA CREDIT CARD     Any member of the Credit Union may apply for a Credit Union Visa Credit Card.  Cardholders are required to maintain a minimum share balance of $100.00.  The interest rate is 14.9% APR with an annual fee of $9.00 per account and a 25 day grace period which means that you can pay your balance in full monthly and incur no interest charges on purchases only (cash advances accrue interest from the date of the advance.)

MONEY ORDERS     Money orders are sold in any denomination for a fee of $.50 per money order.

LIFE SAVINGS INSURANCE     An eligible member's shares in the Credit Union are covered by Life Insurance in amounts up to $2,000 at no extra cost.  A Certificate of Insurance outlining the terms and conditions of coverage is available to each member.

LOAN PROTECTION     The life of each eligible borrower is insured for the amount of the loan up to the maximum of $15,000 at no extra cost to the borrower.  A Certificate of Insurance outlining the terms and conditions of coverage is available to each member.

NOTE:      The above insurance plans are purchased and paid for from earnings of the Credit Union.  However, these insurance plans are subject to revision, modification or termination by action of the Credit Union Board of Directors.